Guides, horoscopes and honest advice from our advisors.
Bills bigger than the number is the first offer on an injury claim arriving below the medical bills already counted, on a night when the holder must decide
A contractor deadline offer is a first house claim offer judged against a Monday start date, when the holder needs the money before work begins and speed
An expiring offer is an adjuster deadline of Friday on a settlement number, take it or fight it, where the timing itself is a message about how the other side
Half the estimate is an offer arriving at a fraction of the repair estimate, with a release form waiting to go back, when the first question asked decides
Signing tonight or waiting is the release decision where a signature this evening closes a claim at today number, while waiting carries the chance of a bigger
A denial with a window is a claim refused today in a letter that also sets the appeal deadline, so the holder is holding both the bad news and the clock that
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